Methods and Arrangements for a Personal Point of Sale Device

1. An apparatus for a point of sale transaction, the apparatus comprising: a processor; a secure element; and a near field communications (NFC) circuitry, the apparatus to communicate payment information and a public key to register a payment instrument as a valid payment instrument; the secure element operably coupled with the NFC circuitry to communicate a cryptogram associated with the payment instrument to process a transaction, wherein the cryptogram comprises a random number and information, wherein the random number uniquely identifies the payment instrument; and the apparatus to receive an approval of a payment via the payment instrument.

2. The apparatus of claim 1, wherein the secure element comprises logic circuitry to cause the NFC circuitry to transmit the cryptogram.

3. The apparatus of claim 1, wherein the NFC circuitry comprises a near field communication radio and an antenna.

4. The apparatus of claim 1, wherein the NFC circuitry and the secure element reside on a same die.

5. The apparatus of claim 1, wherein the NFC circuitry and the secure element reside in a same chip package.

6. The apparatus of claim 1, further comprising Bluetooth communications circuitry.

7. The apparatus of claim 1, further comprising a cellular radio coupled with an antenna.

8. The apparatus of claim 1, further comprising a Wi-Fi radio coupled with an antenna array.

9. The apparatus of claim 1, further comprising a display with a touch screen.

10. The apparatus of claim 1, further comprising audio input-output (I/O).

11. The apparatus of claim 1, further comprising a secure element agent to secure communications with the secure element.

12. The apparatus of claim 1, further comprising displaying an indication of the approval.

13. A computer-readable non-transitory storage medium comprising computer-executable instructions operable to, when executed by at least one processor, enable the at least one processor to: communicate payment information and a public key to register a payment instrument as a valid payment instrument; communicate, via a secure element operably coupled with near field communications (NFC) circuitry, a cryptogram associated with the payment instrument to process a transaction, wherein the cryptogram comprises a random number and information, wherein the random number uniquely identifies the payment instrument; and receive an approval of a payment for the transaction.

14. The computer-readable non-transitory storage medium of claim 13, the at least one processor to cause the NFC circuitry to transmit the cryptogram.

15. The computer-readable non-transitory storage medium of claim 13, wherein the NFC circuitry comprises a near field communication radio and an antenna.

16. The computer-readable non-transitory storage medium of claim 13, wherein the NFC circuitry and the secure element reside on a same die, in a same chip package, or a combination thereof.

17. The computer-readable non-transitory storage medium of claim 13, the at least one processor to further communicate via Bluetooth communications circuitry, a cellular radio coupled with an antenna, a Wi-Fi radio coupled with an antenna array, or a combination thereof.

18. The computer-readable non-transitory storage medium of claim 13, the at least one processor to interact with a user via a display with a touch screen.

19. The computer-readable non-transitory storage medium of claim 13, the at least one processor to communication a message via an audio input-output (I/O).

20. The computer-readable non-transitory storage medium of claim 13, further comprising displaying an indication of the approval.